4890 Chaires Cross Road, Tallahassee, FL 32317
Sources: Tallahassee MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
4890 Chaires Cross Road in Tallahassee is listed at $359,900 (2,652 sq ft, about $136 per sq ft). It has been listed Jun 25, 2026. Listing facts: built in 1880. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 1880 · 146 yrs
- 2,652 sq ft of living area
- listed Jun 25, 2026
About this home
Multiple Offers - Open to back-up offers. Already inspected! Plumbing & electrical repairs completed.
Septic recently pumped. CASH or Renovation Loan Needed as property in need of new ROOF, HVAC among other repairs and updates. This one-of-a-kind property is set on nearly 3 acres of lush, tree-filled land.
Built prior to 1900 and brought back to life, this historic gem offers over 2,650 square feet, 5 spacious bedrooms, and two expansive living areas. See associated MLS documents for floor plan, historic information and parcel details. Majestic live oaks, blooming magnolias and azaleas, fig and lime trees surround the property, creating a peaceful, almost storybook setting.
The long rocking-chair front porch with a swing feels like it was made for slow mornings and golden-hour conversations. The train tracks behind are picturesque and infrequently in use. Inside, history and modern comfort blend beautifully.
You’ll find soaring ceilings, solid wood doors, and incredible refinished original hardwood floors that carry over a century of character. The home features two renovated bathrooms with a marble top vanity and beautiful tilework, a bright and inviting sunroom, and a charming kitchen with a new white oversized sink, butcher block counters, and a huge butler’s pantry! Beyond the main home, the property continues to impress with a large concrete pool, three additional structures (wooden garage, well house, and concrete shed), and includes two parcels across the street that can be subdivided and sold.
The property is zoned RC for both residential and commercial use. From a systems standpoint, the home is in solid working order to the best of the seller’s knowledge, with professionals having evaluated the updated electrical, plumbing, well, and septic systems. There are no signs of termite activity, and bait stations are already in place as a preventative measure.
The property also features two water heaters—one tankless unit conveniently located above the washer, and a second unit installed in 2023 in the hallway closet. That said, there are items for a future owner to address. Primary considerations include the absence of kitchen appliances (however washer and dryer are included), as well as the need for a new HVAC system, re-roof, and some windows are in need of repair or replacement.
These improvements are reflected in the list price. As a contributing property within the Chaires Historic District and believed to be part of the first surveyed plat in Leon County, this home has stood as the heart of the community for over 125 years. Now, it’s ready for its next chapter.
This is truly a rare opportunity. There’s something undeniably special about this property. It has so much incredible history, character, and opportunity.
It is a place full of possibility waiting for the right person with the vision to make it extraordinary. Listing agent has ownership interest in the property.
All 70 photos
Description provided by The Naumann Group Real Estate and reproduced from the MLS; not independently verified.
The Messtimate
Estimate unavailable for this home right now. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when we can match at least 3 comparable closed sales from the last 18 months to this home. We could not assemble that set for this page today, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 2,652 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 11, 2026.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Tallahassee, FL. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,950/mo 77%
- Taxes $392/mo 15%
- Insurance $195/mo 8%
$2,537/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Tallahassee MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 4890 Chaires Cross Road
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $2,425/yr (certified county roll, taxable value × millage). Buy at the asking price of $359,900 and the first-year bill resets to about $4,700/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.20 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Leon County is $990/yr (627 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1880. An original roof would be about 146 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Leon County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 1880BuiltPer public record
- NowUnder contractActive under contract
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
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Listed by The Naumann Group Real Estate · MLS # 399049
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More on Leon County
Explore Leon County
Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Leon County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 4890 Chaires Cross Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1880 (146 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Leon County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 2,652 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $4,700/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,275 more per year than the current owner’s estimated bill (+94%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Tallahassee MLS, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Tallahassee MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 4890 Chaires Cross Road and when was it built?
Per the listing record, 4890 Chaires Cross Road was built in 1880 and has 2,652 sq ft of living area, 5 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4890 Chaires Cross Road in?
4890 Chaires Cross Road is in Tallahassee, Leon County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 4890 Chaires Cross Road differ from the current owner's?
The estimate on this page (about $4,700 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,275 more per year than the current owner’s estimated bill (+94%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4890 Chaires Cross Road in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 4890 Chaires Cross Road in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Tallahassee Board of REALTORS® MLS Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Tallahassee Board of REALTORS® MLS. © 2026 Tallahassee Board of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.